Multi-market
Launch model
Configured by client market
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Zent.Stablecoin money movement, delivered through branded finance experiences.
Zent is Mozaca's deploy-per-client digital finance platform whose defining rail is stablecoin-to-local-money convergence. It bridges stablecoins and African mobile-money rails through branded customer, admin, developer, operations, and compliance workspaces on one governed platform — adding cards, scheduled and requested payments, lending, rich compliance casework, native mobile, and API-led integration around a double-entry core and hash-chained evidence.
Unified
Operator workspaces
Customer, admin, developer, ops, compliance
Brand-led
Deployment model
Configured per client
Inside the Zent workspace — from product UI.
Captured from the product UI — wallets, transfers, KYC, security, treasury, and settlement states that a buyer can inspect before a walkthrough or implementation conversation.
Request Zent demoZent / Customer workspace
Customer workspace
Customer wallet view with balances, market pulse, route options, and recent digital value and payout activity.
Zent / Digital asset conversion
Digital asset conversion
Conversion-to-payout flow from amount to confirmation, PIN, settlement state, and payout review through approved providers.
Zent / Built mobile-first
Built mobile-first
Three core screens — balance, send, markets — designed for the phone before the desktop.
What Zent does.
01
Stablecoin and payout corridors
Zent supports branded wallet, on-ramp, conversion, payout, and settlement journeys across stablecoin routes, payment networks, and partner payout rails.
02
Client-branded deployment
Each implementation can be scoped around the client's brand, market, identity model, operating roles, integrations, and rollout plan.
03
Connected operator workspaces
Customer, admin, developer, operations, and compliance workspaces share the same client identity and audit model.
04
Bank-grade ledger and evidence
Double-entry accounting, reconciliation views, signed events, and audit exports keep wallet and payout activity explainable.
05
Partner-led settlement layer
Zent is designed to connect to approved settlement, liquidity, payment, and verification providers without making the customer experience feel fragmented.
06
API-first integration
OpenAPI-led contracts guide docs, SDK planning, contract tests, developer workspace access, sandbox provisioning, webhooks, and usage metering.
07
Everyday digital finance
Cards, airtime, merchant pay, payment requests, scheduled payments, split bills, activity statements, support, and learning surfaces extend the corridor into daily use.
08
Lending and dynamic policy
A dedicated lending service and OPA-backed authorization data support configurable credit products, roles, routes, and transaction policy.
How Zent operates.
Zent is structured as a per-client stablecoin operations platform: branded wallets, on- and off-ramp corridors, payout paths, customer and operator workspaces, API access, webhook delivery, compliance review, and evidence-backed reporting under one client-aware operating model.
Operating capabilities
- 01Tenant configurationBrand, market, roles, limits, routes, provider options, and operating policies can be configured per client without forking the product.
- 02Ledger-first accountingCustomer wallet, funding, conversion, payout, payment, and reporting services work from double-entry accounting primitives.
- 03Audit evidenceEvery meaningful state change is designed to leave a clear trail for operators, partners, auditors, and internal risk teams.
- 04Payout corridor designPartner payout and collection paths are made visible inside the same platform as wallet balances, quotes, approvals, and receipts.
- 05Customer and compliance readinessIdentity tiers, sanctions checks, case queues, operating roles, and evidence exports are part of the product surface.
- 06Compliance operationsAML cases, monitoring rules and alerts, screening batches and lists, risk scoring, SAR workflows, regulatory reports, and configurable thresholds form a dedicated operating surface.
- 07Developer surfaceOpenAPI contracts, SDK planning, API keys, usage metering, sandbox provisioning, signed webhooks, and docs support integrator onboarding.
Product modules
- 01Funding and conversionCustomer funding and conversion journeys are recorded with ledger entries, receipts, provider state, and clear customer messaging.
- 02Payout journeyCustomers can move approved digital-asset value into supported payout destinations with quote, approval, settlement, and reconciliation state visible.
- 03USSD availabilityFeature-phone customers can access core flows through USSD integration patterns where the rollout requires it.
- 04Ops and complianceOperations, admin, developer, customer, and compliance workspaces make day-two activity observable.
- 05Cards and planned paymentsCustomer cards, scheduled payments, payment requests, split bills, and settlement state bring recurring and everyday financial activity into the same ledger.
Build evidence
- 01Expanded product surfacesCustomer, client-admin, compliance, developer, and Mozaca-ops workspaces now cover wallet movement, cards, lending, scheduled payments, provider state, regulatory review, incidents, and fleet health.
- 02Hardened mobile customer experienceThe Kotlin Multiplatform mobile path covers accounts, balances, send, receive, on/off-ramp, payment, request-money, history, security, responsive layouts, and UAT-focused hardening.
- 03Digital-finance backendCustody, wallet, card, lending, ledger, payment, on-ramp, off-ramp, FX, AML/KYC, notification, audit, reporting, dynamic policy, and observability services support the platform.
From signup to settled.
- 01
Provision
Set up the brand, market, user roles, workspace configuration, payout routes, provider integrations, and operating rules.
- 02
Verify
Run customer and business verification, sanctions checks, tier limits, PIN/MFA, and policy controls before movement is enabled.
- 03
Move
Support wallet funding, conversion, payout, payment, quote, and webhook journeys through reliable APIs and controlled workflows.
- 04
Report
Reconcile ledger, partner, rail, and workspace events into audit logs, daily reports, compliance queues, and signed exports.
Built across the rails that matter.
Composes with the chains, rails, custody partners, and signing providers institutional teams already trust — and bring your own when the brief calls for it.
Payment routes
- Partner payout rails
- Bank payout rails
- Payment providers
- Regional partners
Stablecoin rails
- USDC / USDT / cUSD routes
- Custody & settlement partners
- Liquidity providers
- On / off-ramp corridors
Provider layer
- Custody partners
- Payment providers
- KYC/KYB providers
- Webhook integrations
Workspaces
- Customer
- Client admin
- Developer
- Operations
- Compliance
Start with the Zent demo.
Review the demo flow, then request the access path that matches your team: walkthrough, technical review, partner scoping, or implementation planning.